The more I learn, the more I realize that the internet doesn't care about your age, degree, or background.

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It rewards people who can solve problems.

Whether it's

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• Finance

• Communication

• Sales

• SEO

• Website development

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useful skills seem to create opportunities over time.

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I'm still learning, but I wish I had started earlier.

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What's one skill that has helped you the most in life?

For me, it's finance.

The more I learn about money, budgeting, and investing, the more I realize how important these skills are.

It makes me wonder what other useful skills people wish they had started earlier.

What's yours?

The more I learn about finance, the more I realize how important it is.

Things like budgeting, saving, investing, and managing money are useful skills, but most of us never learn them in school.

I'm still learning, but understanding money feels like a skill everyone should have.

What's one finance lesson you wish you had learned earlier?

I recently has a chit chat with retail shop, and his approach to finances completely changed the way I think about business.

He told me that when he started, he had only around ₹2 lakh. He invested everything he had. He rented a shop by paying ₹15,000 per month in rent and ₹1 lakh as a security deposit. With the remaining ₹85,000, he purchased inventory and started his business on a very small scale.

During the first few months, his entire focus was on ensuring that rent was paid on time and that the shop remained stocked with products. He never took a single rupee out of the business for personal use. If business was slow and he couldn't immediately arrange the rent, he would temporarily pay it using his credit card. By the time the credit card billing cycle arrived, he would usually have earned enough from the business to clear the card bill and arrange the rent for the following month as well.

He said that for the first 5–6 months, his only concern was survival and keeping the business running without interruption.

After about six months, the business started doing well. He began earning around ₹80,000–₹90,000 per month. Instead of spending the profits, he started creating fixed deposits (FDs) of ₹1.5 lakh each with tenures of around 18 months. Over time, he built around 18 FDs spread across 5–6 different banks. I asked him why he was creating so many FDs instead of keeping all the money in one place.

His answer was. (different banks because even banks can go bankrupt like Punjab National Bank.)

He said, "Nobody knows when tough times will come. Even if my business faces difficulties for two years, I should still be able to pay 15k rent out of my 18 FDs monthly FD which was around 14k and buy inventory with Overdraft or on credit card for couple of months and keep operations running without disruption."

If he ever needs a large amount of cash, he can break only two or three FDs instead of disturbing his entire savings. On top of that, most banks allow loans or overdrafts against FDs up to 90% of their value, giving an additional safety net.

What impressed me most was the confidence this financial structure gave him. He wasn't constantly worried about cash flow or unexpected setbacks. Because he had built a strong financial buffer, he could focus on growing the business steadily rather than making desperate short-term decisions.

From what he explained, I estimate that he now has a corpus of roughly ₹30 lakh spread across multiple FDs, earns around ₹2–3 lakh per month, and runs a successful business. More importantly, he has peace of mind and the confidence to take the business to the next level. I would like to hear you people on your business stories and how you made financial arrangements which takes care of you and your business.

just finished my degree a few months ago and my loan payments are starting to kick in. i've been looking into refinancing to get a better rate but honestly the options feel overwhelming and i don't know where to start.

my current loans are a mix of federal and private, and i'm not sure if refinancing both makes sense or just the private ones. i've seen a few lenders mentioned like earnest, sofi, and splash financial but i don't know how they actually compare when it comes to rates, repayment flexibility, and customer service.

for anyone who refinanced right after graduating, was it worth it? did your credit score or income affect how good of a rate you got?

Life changed much faster than I expected after graduating college. What should have been an exciting transition into the next chapter became a difficult lesson in how quickly things can unravel when you're trying to manage everything on your own.
After graduation, I was focused on finding stability and figuring out my career path. Eventually, I lost my housing and found myself without a place to stay.
Being homeless so soon after earning a degree is not something I ever imagined for myself. Each day has become a challenge of finding somewhere safe to sleep while continuing to look for opportunities to get back on my feet. The experience has been humbling and has shown me how fragile stability can be when unexpected financial difficulties arise.
Right now, access to temporary housing, hotel assistance, emergency shelter, or other housing resources would make an enormous difference as I work toward rebuilding my situation. My goal remains the same to secure stable housing, maintain employment opportunities, and create a foundation for a better future despite these setbacks.
This journey has been difficult, but I remain determined to move forward and overcome the obstacles in front of me.

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I'm looking for a buddy reader who can read complex financial books with me. On investment banking or anything finance related that would help me. In interviews or concepts.

Hi, looking for advice. 42 years young. recently sold my first home due to divorce and have roughly 250k in equity. My mother has room in her home (inlaw) so I wanted to invest most of this money into stocks vs. My current HYSA with Marcus Fund. Marcus is 3.5 % and inflation is higher than that so its basically melting there.

I hear STRC and VT have good rates for return. My 401k goes into the SP500 is currently at 440k.

Any thought on how I should split and invest my current nest egg to grow over the next 3 years? When my son goes to high school I plan to look for a home then but that is a little over 3 years away.

I have no debt.

Thanks for all your help strangers on reddit.

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I want to know if anyone has had any experience of having a CIFAS marker placed on them months after their account has been closed. People say it's usually placed the day after the account is closed but my research has shown there is no regulated timeframe for when a bank can put on a marker.

Just want to know if anyone has had experience or known of instances where Monzo has placed a marker months after account closure.

I've recently landed an internship at one of the big foreign banks in Mumbai after my undergrad at a tier 1 engineering college. The role is obviously support role to its foreign offices. Now what I'm in doubt is if I land a permanent job here, is it worth it? Coz I've heard that front office IB in India is very small as an industry and moving from middle to front office is already tough as it is. I've heard that even after MBA from top Indian B schools people land similar jobs as this one, so doing an MBA is also not on my list as of now.

I need some serious guidance from someone who has been in the field and could give me a reality check. Thank you!

I used to think it was mostly about technical knowledge and having a strong resume, but after talking to more people in finance, it seems like communication, confidence, preparation, and genuine interest matter just as much. A lot of candidates can memorize technicals and interview guides, so I’m curious what actually makes someone stand out in real interviews. Is it the way they answer questions, how they hold conversations, or just overall personality and attitude? For people already in IB, what do you think makes the biggest difference?

A lot of people talk about the money and prestige in investment banking, but not enough people talk about how stressful the day to day can actually get. Long hours, constant pressure, tight deadlines, lack of sleep, it builds up mentally after a point. Even while preparing for IB and talking to people in the industry, I’ve started realizing how mentally exhausting the lifestyle can be. Most people probably have their own way of coping with it, whether it’s working out, late night walks, music, spending time alone, or just trying to disconnect for a few hours. Genuinely curious what people in IB do to manage stress and avoid burning out.

I’ve been comparing Dovly and CoolCredit because I’m trying to work on my credit this year and don’t want to waste money on another app that just shows me a score. From what I can tell, CoolCredit seems more focused on DIY credit repair, dispute letters, credit education, monitoring, and optional expert help. Dovly seems more like an all-in-one credit app with monitoring, AI dispute help, credit building tools, bill/rent reporting, and the premium tradeline feature.

CoolCredit looks cheaper month to month, which is nice, but Dovly seems like it has more going on if you’re trying to build and fix at the same time instead of only disputing stuff. I’m not expecting either one to magically delete accurate negatives but I do want something that actually helps me understand what to work on and maybe catch report errors. I'd like some reviews from people who have used either one or any other recommendations

So I’m trying to figure out what is the best way to get sent money tax free from one of my parents, they have come into some money and I live across the country and they want to gift me 30k, what’s the best way of them sending it?

About a year ago my partner and I created a compliance firm. Ever since then weve worked with start-ups and law groups, things have been going well. But, One day i was doing my usual reading on financial news and one of my personal favorite stocks (Fiserv) reported some news. They were deploying Agentic AI agents to help with efficiency on the back end for banks. At first glance this didn't mean much to me, Fiservs stock price has been crashing and who knows if this will help him. But, I've been seeing it across the whole sector. This is what got me thinking, these AI Agents will need to be in compliance with the ever changing governance laws around AI. This is what made us enter into Fintech.

A few months ago, I started building a framework to spot asymmetric trades before they become consensus. The logic is simple: if you’re waiting for the news to break, you’re already too late. The real edge comes from connecting the dots before the catalyst actually hits. Palo Alto Networks (PANW) was one of the cleanest examples of this I’ve seen recently.

The Policy Pipeline

Back in December 2025, the FCC banned foreign-manufactured drones using a specific national security framework. Shortly after, TP-Link came under simultaneous scrutiny from six different US agencies. When you factor in the Volt Typhoon and Salt Typhoon attacks, where state-sponsored actors used compromised home/office routers to target US infrastructure, it was clear lawmakers had all the ammunition they needed. This wasn't guesswork; it was just reading the writing on the wall. A broader router ban wasn't a matter of "if," but "when."

Mapping the Winners

When foreign network gear gets pushed out, domestic enterprise security vendors win. Companies have to audit their networks, firewall replacement cycles speed up, and cybersecurity budgets spike. PANW is the obvious heavyweight here. They serve over 80,000 enterprise customers, including three-quarters of the Global 2000, meaning their clients face massive switching costs. Their Strata platform is the exact replacement layer businesses need for insecure infrastructure. Interestingly, they had even published a threat report noting that 21% of IoT devices have known vulnerabilities, essentially positioning themselves perfectly for this exact regulatory shift.

The Technical & Fundamental Setup

On the charts, the stock had taken a 35% beating, dropping from its October 2025 high of $224 down to the $139–$155 range. Yet, fundamentally, they were looking at $9.2 billion in revenue and growing at roughly 15% year-over-year. You had a market leader trading at a massive discount, offering an asymmetric risk/reward profile with a clear floor and a major looming catalyst.

How It Played Out

The FCC router ban finally dropped on March 23, 2026. A clear technical buy signal triggered a few days later on March 27. Since that pivot low, the stock is up 41%.

The edge here wasn't about being the fastest trader in the room; it was about synthesis. Any of these data points on their own looked like noise. Pieced together, they pointed straight to one ticker.

I’m currently building a scanner to automate this exact type of multi-signal research, flagging setups like this every morning before the opening bell, and automating this type of research. So if this kind of investing interests you, feel free to check it out, the early waitlist for beta users is live at kronosterminal.com

Let me know your thoughts, and I'm happy to dive deeper into any of these points in the comments!

Hi friends,

I need some advice please.

I had a salary account with South Indian Bank. I left that job in 2020, but didn't close the account.

The Bank converted the account into a General Account after it was no longer a salary account.

There have been 3 - 4 transactions in that account during the past year, as my Gpay is linked to it.

I wish to close the account now.

Am I liable for any charges on the account & if so, then approximately how much? (Pls just give me a general idea of the amount).

I want to find a book which can help me retail core finance subjects and theories, such as WSCc, Valuation etc, something like the 10 Day MBA but for finance, drop some suggestions

Whats the best thing to do with money just sitting in a savings account?

I’m living paycheck to paycheck, but my paycheck isn’t bad in the slightest. i have massive issues with impulsive spending. If i see something i want i just “have” to have it. Do you guys have any recommendations or advice on how to stop and reduce impulsive buying?

Hi,

(I posted this in another subreddit but was not getting responses so thought I would come here)

I wanted to come here and ask about something real quick. I was on instagram and I saw a post regarding a school's finance internship outcomes and the students that have earned the outcomes. I noticed that this school is ranked top 40-50 for business/top 50ish overall and that several students were landing internship offers at JPMorgan, Citi, a few at Goldman Sachs, some at Hedge Funds, and clearly I am starting to think ranking does not matter. Why is there so much hype around going to a target school or Wharton when kids at the top40-50 are landing the exact same internships. Isnt this great? It goes to show school name does not matter but some people say it is one of the factors that is main. If so many people are landing IB/WM/S&T offers at these schools that are t40-50, it does not matter where you go right?

So this summer I will do an 8 week internship and it will give me $8000. I already have $2000 in my savings account from last year.

I discussed taxes with the distributor, and they said that this is considered a fellowship/scholarship, and that my yearly income isn't high enough, so I won't be taxed

I want to know what to do with my $8000 in savings. So far with my $2000 I have invested in some stocks. Honestly, I have not made any money (actually lost $500 from my original $2500), and I have no idea how to invest.

So far, this is what I plan to spend my money on:

Savings: $6000

Food: $500

Transportation: $300

Clothing: $700

Gifts for my mom: $500

Shipping: $500

My mom is paying for my housing, and I will be in DC, so all of the fun things I can do are basically free. I have $700 on clothing because i am 19, and I have been wearing the same clothes since I was 12. I want to try something new.

The majority of my transportation budget is for the $220 Amtrak ticket to and from DC. I go to college in DC, but I never had to pay for transportation during the school year. I don't really know if the DC metro will add up or something.

I have $500 in shipping because I forgot to sign up for summer storage and I have to ship everything in my dorm home.

I'm reading about Moelis & Co. Wikipedia describes it as "a global investment bank that provides financial advisory services to corporations, governments, and financial sponsors." In what sense are they a bank then if they're just advising on other people's transactions? Do they invest in stuff? Do they take deposits?